Bank of Baroda has 16 credit cards on SkyloFin, from free entry cards to premium ones. The best one depends on where your money goes each month. Below: the Bank of Baroda card that pays the most for each kind of spend, the best pick if you want to pay ₹1,000 a year or less, and every Bank of Baroda card with its fee and waiver. Data as of October 2026.
The best Bank of Baroda credit card for each spend
| Spend | Card | Back | Where it applies | Monthly cap | Annual fee |
|---|---|---|---|---|---|
| Online shopping | 5% | All spends in this category | ₹1,500 a month | ₹589 a year | |
| Groceries | 1% | All spends in this category | No stated cap | Lifetime free | |
| Dining and food delivery | 3.75% | All spends in this category | ₹1,250 a month | ₹2,949 a year | |
| Travel | 3.75% | All spends in this category | ₹1,250 a month | ₹2,949 a year | |
| Fuel | 4% | Eligible HPCL retail outlets on the HPCL/BOBCARD merchant (MID/TID) list, HPCL LPG and the HP Pay app | ₹250 a month | ₹589 a year | |
| Utility bills | 1.67% | All spends in this category | ₹250 a month | ₹589 a year | |
| Spends abroad | 3.75% | All spends in this category | ₹1,250 a month | ₹2,949 a year |
Lowest-fee pick: Bank of Baroda cards for ₹1,000 a year or less
| Spend | Card | Back | Annual fee |
|---|---|---|---|
| Online shopping | 5% | ₹589 a year | |
| Groceries | 1% | Lifetime free | |
| Dining and food delivery | 2.5% | ₹1,180 a year | |
| Travel | 2.5% | ₹1,180 a year | |
| Fuel | 4% | ₹589 a year | |
| Utility bills | 1.67% | ₹589 a year | |
| Spends abroad | 2.5% | ₹1,180 a year |
How we picked them: each card’s stated rate for that spend (its points valued as the bank states), with the bank’s monthly cap; for fuel, the rate at the card’s partner pumps. A tie goes to the lower fee. Fees include 18% GST. What a bank pays SkyloFin is never part of the order.
Every Bank of Baroda credit card we list
| Card | Annual fee | Rewards | Fee waived if you spend |
|---|---|---|---|
| Lifetime free | 0.4% on most spends | – | |
| Lifetime free | 1% on most spends | – | |
| Lifetime free | 0.25% base, up to 1.25% on dining | – | |
| Lifetime free | 0.25% base, up to 1.25% on dining | – | |
| Lifetime free | 0.25% base, up to 1.25% on dining | – | |
| Lifetime free | 0.2% base, up to 1% on online shopping | – | |
| ₹294 a year | 1% base, up to 2.5% on online shopping; 5% only at partner merchants | – | |
| ₹413 a year | 0.5% base, up to 1% on groceries; 4% only at partner merchants | – | |
| ₹589 a year | 1% base, up to 5% on online shopping | – | |
| ₹589 a year | 0.33% base, up to 1.67% on utility bills; 4% only at partner merchants | ₹50,000 a year | |
| ₹590 a year | 0.2% base, up to 1% on groceries | ₹35,000 a year | |
| ₹885 a year | 0.2% base, up to 1% on dining | ₹70,000 a year | |
| ₹1,180 a year | 0.5% base, up to 2.5% on dining | ₹1,20,000 a year | |
| ₹2,949 a year | 0.75% base, up to 3.75% on dining | ₹2,50,000 a year | |
| ₹2,949 a year | 0.75% base, up to 3.75% on dining | ₹2,50,000 a year | |
| ₹2,950 a year | 0.5% on most spends; 1.5% only at partner merchants | ₹3,00,000 a year |
How to choose
- Start from your biggest spend. Find it in the first table and compare that card’s fee with what it would pay you back in a year on that spend.
- Check the monthly cap. A high rate stops at its cap; above it, the card earns its base rate.
- Look at the fee waiver. Many cards waive the fee above a yearly spend; if you clear it, the card costs nothing.
- One card or two. A premium card for travel and a free card for everyday spends often beats one card for both.
More about Bank of Baroda
All Bank of Baroda products, branch IFSC codes and the balance check number: Bank of Baroda on SkyloFin. Compare any two cards: credit card comparison.
Questions people ask
Which is the best Bank of Baroda credit card?
It depends on your spend. For online shopping, BOBCARD Cashback Credit Card pays the most on our data (5%). The first table above has the best Bank of Baroda card for each spend.
Which Bank of Baroda credit card is free?
The cards marked “Lifetime free” in the last table have no joining or annual fee. Others waive the fee above a yearly spend, shown in the last column.
Can I hold two Bank of Baroda credit cards?
Most banks allow it, within one total credit limit. The bank decides at application, on your income and existing cards.
Updated 18 Oct 2026.
